Across the country, many benefit brokers assisting consumers on the Affordable Care Act’s public health insurance exchanges were at a loss when it came to the scant number of insurer options available in their market for their clients.

For example, in Tennessee there were three insurers on the federally facilitated marketplace statewide in 2014 including Humana, Community Health Alliance and BlueCross BlueShield, the latter of which has about 65-to-70 percent market share according to their own reports released to benefit broker Matt Cowan in mid-March.

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